I took a state government student loan when I was studying in university. It was not a big amount, and it could only cover my school fees, but not other expenses. I was complaining that the loan that I had was too little while my friends who got the PPPTN could get more money. However, I had an advantage over them. I don’t have to repay my loan because I was graduated with 1st class honors, but my friends got to repay theirs regardless of their results.

They are still paying their huge amount of loans. If they are doing well in their jobs, money should not be a problem. But if you can’t seems to repay your study loan, get school loan consolidation, and see if you can take advantage of flexible repayment options. This will help you to improve your credit status and give you some debt relief temporarily.

Oh well, if you have a car or house to pay, and some credit card debts on top of your student loans, you should really consider getting a loan consolidation from professionals.

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